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Upturn AI SWOT - About
SFNC 
Simmons First National Corporation (SFNC)
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Upturn Advisory Summary
03/25/2025: SFNC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -16.84% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/25/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.58B USD | Price to earnings Ratio 16.97 | 1Y Target Price 24 |
Price to earnings Ratio 16.97 | 1Y Target Price 24 | ||
Volume (30-day avg) 718155 | Beta 0.86 | 52 Weeks Range 15.53 - 25.45 | Updated Date 03/31/2025 |
52 Weeks Range 15.53 - 25.45 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 4.15% | Basic EPS (TTM) 1.21 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.95% | Operating Margin (TTM) 31.61% |
Management Effectiveness
Return on Assets (TTM) 0.56% | Return on Equity (TTM) 4.39% |
Valuation
Trailing PE 16.97 | Forward PE - | Enterprise Value 3010070016 | Price to Sales(TTM) 3.52 |
Enterprise Value 3010070016 | Price to Sales(TTM) 3.52 | ||
Enterprise Value to Revenue 4.84 | Enterprise Value to EBITDA - | Shares Outstanding 125807000 | Shares Floating 123431879 |
Shares Outstanding 125807000 | Shares Floating 123431879 | ||
Percent Insiders 1.7 | Percent Institutions 73.43 |
Analyst Ratings
Rating 3.17 | Target Price 25.2 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 4 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Simmons First National Corporation
Company Overview
History and Background
Simmons First National Corporation was founded in 1903 in Pine Bluff, Arkansas. Initially serving local agricultural needs, it has grown through strategic acquisitions and organic expansion to become a regional financial services provider.
Core Business Areas
- Community Banking: Offers a range of traditional banking services, including deposit accounts, loans, and other financial products to individuals and small businesses.
- Wealth Management: Provides wealth management, trust, and investment services to individuals and institutions.
- Commercial Banking: Offers commercial lending, treasury management, and other financial services to larger businesses.
Leadership and Structure
The leadership team is headed by the CEO, with various executive vice presidents overseeing different business segments. The organizational structure is hierarchical, with regional presidents and branch managers reporting to executive management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offerings include commercial real estate loans, working capital lines of credit, and term loans to businesses of various sizes. Market share is regional, and difficult to pinpoint exact percentage, competitors include other regional and national banks. Revenue is derived from interest income.
- Deposit Accounts: A range of checking, savings, and money market accounts for individuals and businesses. Competitors include other regional and national banks and credit unions. Revenue is derived from fees and investing deposits.
- Mortgage Loans: A product that includes fixed and adjustable rate mortgages for home purchase and refinancing. The market includes competitors like Rocket Mortgage and larger banks. Revenue is derived from interest income and loan origination fees.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate fluctuations, regulatory changes, and increased competition from fintech companies.
Positioning
Simmons First National Corporation is positioned as a regional bank focused on community relationships and providing personalized service, which sets it apart from larger national banks.
Total Addressable Market (TAM)
The TAM for banking services in the regions Simmons serves is estimated to be in the billions. Simmons is positioned to capture a significant portion of this through its local focus and service offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Customer loyalty
- Experienced management team
- Diversified product offerings
Weaknesses
- Limited geographic reach compared to larger banks
- Potential reliance on traditional banking models
- Higher operational costs compared to online-only competitors
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Strategic acquisitions of smaller banks
- Growing demand for wealth management services
Threats
- Increased competition from online lenders
- Rising interest rates
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- BOKF (BOKF)
- Trustmark (TRMK)
- UMB Financial (UMBF)
Competitive Landscape
Simmons advantages stem from a strong regional presence. Disadvantages include smaller size versus larger national banks.
Major Acquisitions
Reliant Bancorp Inc.
- Year: 2021
- Acquisition Price (USD millions): 580
- Strategic Rationale: Expanded presence in the Nashville, Tennessee market, adding scale and resources.
Growth Trajectory and Initiatives
Historical Growth: Simmons First National Corporation's growth has been driven by acquisitions and organic expansion in the past years.
Future Projections: Future growth projections would be based on analyst estimates and company guidance, reflecting expansion plans and market conditions.
Recent Initiatives: Recent initiatives likely include investments in digital banking, branch expansions, and strategic partnerships.
Summary
Simmons First National Corporation is a regional bank with a solid presence in its markets. Strengths include customer loyalty and diversified offerings, but it faces competition from larger banks and fintech companies. Strategic acquisitions and digital initiatives are crucial for future growth and maintaining market share.
Similar Companies
BOKF
BOK Financial Corporation
BOKF
BOK Financial Corporation
TRMK
Trustmark Corporation
TRMK
Trustmark Corporation
UMBF
UMB Financial Corporation
UMBF
UMB Financial Corporation
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data requires access to current SEC fillings.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Simmons First National Corporation
Exchange NASDAQ | Headquaters Pine Bluff, AR, United States | ||
IPO Launch date 1992-11-02 | CEO & Executive Chairman Mr. George A. Makris Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2946 | Website https://www.simmonsbank.com |
Full time employees 2946 | Website https://www.simmonsbank.com | ||
Simmons First National Corporation operates as the bank holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses. The company offers checking, savings, time deposits, and corporate deposits; consumer, real estate, and commercial loans; agricultural finance, equipment, and small business administration lending; trust and fiduciary services; credit cards; investments; treasury management, agency, and custodial services; and insurance products. It also provides ATM services; lines of credit; internet and mobile banking platforms; overdraft facilities; and safe deposit boxes. The company has operations in Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. Simmons First National Corporation was founded in 1903 and is headquartered in Pine Bluff, Arkansas.
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